A business may occasionally rent, lease, hire, or borrow vehicles it does not own.

Commercial Auto policies may provide Hired Auto Liability when appropriately included.

Examples can include:

  • Rental vehicles
  • Short-term leased vehicles
  • Certain borrowed business vehicles

Hired Auto Liability generally concerns liability exposure.

Physical damage to the rented vehicle may require separate Hired Auto Physical Damage coverage.

Do not assume it is automatically included.